Intern and RMO1
Medical indemnity insurance
The indemnity insurance your hospital provides for interns/RMO1s may not cover you in all circumstances. It's vital to choose the medical defence organisation that has the experience and resources to support you when you need it most.
We cover you in case you're sued by a patient or another person because of the healthcare you provide. This also includes the cost of lawyers to defend you and legal costs of the other side (if you are ordered to pay those too). Civil liability cover is up to $20 million.
We cover you for legal fees incurred in proceedings before AHPRA, the Medical Board and the Coroner arising from healthcare you provide as a medical practitioner. We also provide cover for investigations by your state's health complaints entity and the criminal courts. Cover is up to $500,000.
In the unfortunate event that you contract a communicable disease in the policy period such as hepatitis C, hepatitis B or HIV, we'll pay a lump sum of $125,000 to help you either retrain or alter your practice, or to assist you financially if you choose to retire.
If you are required to participate in a disciplinary, criminal or coronial investigation cover is up to $500,000.
Legal fees and expenses cover for employment disputes, such as a complaint that arises from your involvement in your hospital's rotation program. Cover is up to $150,000.
Employment disputes can be stressful, so it's good to know that Avant will help you defend a matter from the ground up, or even pursue a matter against your employer (including when you're on placements). Cover is up to $150,000.
You've worked hard to get to this stage of your training, so we want to support you by providing cover for the cost of lawyers if you have a dispute with your hospital's training program. Cover is up to $150,000.
Cover up to $20,000 at a daily rate of $500 per day, to assist you with out of pocket expenses if you have to be away from your ordinary work to attend a court proceeding or other inquiry in relation to a matter covered by this policy.
We'll support you if you need to defend a complaint — including an allegation of defamation — if you report a healthcare professional or incident to a hospital, area health service or registration body, while you are acting in good faith, in the public interest or required to by law. Cover is up to $150,000.
Cover to pursue indemnity from another organisation if they have declined to cover you, despite having an agreement with you to cover you in the event of a claim e.g. your employer, a hospital or an area health service. Cover is up to $150,000.
^Cover is subject to the full terms, conditions, and exclusions of the policy.
Policy & other documents
Important documents:
Other important documents:
What Avant members say about us
Being an Avant member made the transition from medical school to clinical practice seamless. Knowing that 24/7 medico-legal advice is just a phone call away puts me at ease.
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Disclaimers
^Cover is subject to the full terms, conditions, and exclusions of the policy.